Searching for low cost Collision coverage in Brandon? Come to your local Direct Auto & Life Insurance. While Florida law does not require drivers to have Collision coverage, it can still be beneficial to have. Imagine that your car runs into another object, like a guardrail, tree, street light, or pothole. Or if it flips in an accident! Would you have enough money to get it fixed? After you meet your deductible, Collision insurance will pay for your truck, car, or motorcycle to be repaired or replaced.
A car insurance deductible is what you pay to repair your car if you have an accident or claim. Deductibles vary by state and insurance company, but generally range from $100 to $1,500. The Collision deductible you choose is up to you. Generally speaking, the higher the deductible, the lower the premium for Collision.
Keep in mind that Collision insurance won't pay for every scenario that results in damage to your vehicle. That's why Collision coverage is almost always paired with Comprehensive, which also has a deductible. If your car is damaged by a natural disaster, stolen, or vandalized, Comprehensive coverage will help cover the cost of having your car replaced or repaired. Together, Comprehensive and Collision are often referred to as "full coverage." However, that terminology can be misleading and often means different things to different people. At Direct Auto & Life Insurance we avoid using that term and will use the precise policy and coverage terms to describe the coverages you have.
Who needs Collision coverage in Brandon? Florida insurance law doesn't mandate it, but you may be required to carry Collision coverage if you're leasing or financing your car. If you decide not to get Collision, your lender may purchase it for you and add it to your loan balance. This route can be pricier than if you buy Collision coverage on your own. No car loan? You can choose whether or not you buy Collision coverage! Before going without it, though, think about the age of your vehicle and whether you would feel comfortable paying for it to be repaired or replaced out of your own pocket. If that idea troubles you, saying yes to Collision coverage and a convenient deductible could prove valuable.
Here at Direct Auto & Life Insurance in Brandon, Collision coverage is affordable to get and easy to understand. We have the on-the-road protection you want, plus the quality services you deserve. With us, you don't have to skip out on important coverages to try and make your insurance cheaper. We'll help you put together the best policy for your needs and find every discount you're eligible for. That's our promise! Next, you have the freedom to make your car insurance even more affordable by customizing the time and way you pay. Whether it's by cash, credit card, or check, staying on top of policy payments and your Collision coverage in Brandon is simple with Direct Auto & Life! Stop by your neighborhood location or call 1-877-GO-DIRECT (1-877-463-4732) to learn more about Collision coverage!